Franklin, New York · Peer group 3
Chen-Del-O Credit Union
Chen-Del-O Credit Union holds $34.7M in assets across 2,677 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1954. Charter number 9517, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $34.7M |
|---|---|
| Total loans | $8.8M |
| Total shares (deposits) | $30.2M |
| Net worth | $4.4M |
| Members | 2,677 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.0% | |
|---|---|---|
| Loans | 9.0% | higher than 90% of its peer group |
| Deposits | 3.6% | around the 68th percentile of its peer group |
| Members | -4.5% | around the 19th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 29.2% | lower than 91% of its peer group |
|---|---|---|
| Net worth ratio | 12.7% | around the 43rd percentile of its peer group |
| Return on assets | 1.67% | around the 89th percentile of its peer group |
| Delinquency ratio | 1.64% | around the 81st percentile of its peer group |
| Cash / assets | 8.6% | around the 35th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Chen-Del-O Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
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